I’d you don’t have a lot of financial resources, and work a low paid job, you also tend not to have the time resources to explore the option. It comes at a high transaction cost.
My experience with wage workers that are struggling to make ends meet is different. They spend a lot of time looking for better jobs and side gigs. Like, it is their primary focus.
My unwanted opinion on that is their "lot of time" would be better invested in upgrading their skills so they can get a higher paying job.